Citizens Financial Services (CZFS) Times Interest Earned (2010 - 2026)
Citizens Financial Services (CZFS) posted Times Interest Earned of 1.89 for Q2 2026, little changed on a QoQ basis from 1.9 in Q1 2026, and up 12.06% year-over-year from 1.69 in Q2 2025.
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Analysis
Citizens Financial Services (CZFS) Times Interest Earned (2010 - 2026) Analysis & Trends
Citizens Financial Services has reported Times Interest Earned for 17 years, with the latest figure at 1.89 in Q2 2026.
- On a quarterly basis, Times Interest Earned rose 12.06% year-over-year to 1.89 in Q2 2026; TTM through Jun 2026 was 1.87, a 17.33% increase from a year earlier, with the FY2025 full-year figure at 1.74, up 16.03% from the prior year.
- Times Interest Earned was 1.89 for Q2 2026 at Citizens Financial Services, roughly flat from 1.9 in the prior quarter.
- The five-year high for Times Interest Earned was 6.29 in Q1 2022, with the low at 0.4 in Q2 2023.
- Average Times Interest Earned over 5 years is 2.33, with a median of 1.75 recorded in 2025.
- The sharpest annual moves came in 2023 and 2024: Times Interest Earned tumbled 93.33% in 2023, then surged 246.06% in 2024.
- Over 5 years, Times Interest Earned stood at 2.92 in 2022, then tumbled by 46.65% to 1.56 in 2023, then climbed by 1.19% to 1.58 in 2024, then grew by 19.04% to 1.88 in 2025, then advanced by 0.94% to 1.89 in 2026.
- The last three Times Interest Earned figures came in at 1.89 (Q2 2026), 1.9 (Q1 2026), and 1.88 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | 0.09 |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 1.77 |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 1.90 |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 2.28 |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 1.67 |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 1.83 |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 2.52 |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 1.80 |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | -1.27 |
| 10 | Citizens Financial Services | 391.28 Mn | 305.36 Mn | - | 1.89 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.89 |
| Mar 31, 2026 | 1.90 |
| Dec 31, 2025 | 1.88 |
| Sep 30, 2025 | 1.82 |
| Jun 30, 2025 | 1.69 |
| Mar 31, 2025 | 1.59 |
| Dec 31, 2024 | 1.58 |
| Sep 30, 2024 | 1.53 |
| Jun 30, 2024 | 1.38 |
| Mar 31, 2024 | 1.50 |
| Dec 31, 2023 | 1.56 |
| Sep 30, 2023 | 1.64 |
| Jun 30, 2023 | 0.40 |
| Mar 31, 2023 | 2.21 |
| Dec 31, 2022 | 2.92 |
| Sep 30, 2022 | 4.13 |
| Jun 30, 2022 | 6.00 |
| Mar 31, 2022 | 6.29 |
| Dec 31, 2021 | 6.19 |
| Sep 30, 2021 | 5.93 |
API Access
Citizens Financial Services Times Interest Earned API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=times-interest-earned&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "ticker": "CZFS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=times-interest-earned&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();